October 20, 2025 Market Update Courtesy of Envoy Mortgage

Market Spotlight

Week of October 20th, 2025 | #183

What You Need to Know

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KEY TAKEAWAY: Rates remain near 3-year lows, but the calm may not last—markets are bracing for volatility as the government shutdown drags on and inflation week looms.

Last week was surprisingly steady given the backdrop of uncertainty. Mortgage rates held around 6.2–6.3%, matching the lowest levels since 2022. The lack of new government data due to the shutdown kept traders cautious, but stability in bonds helped rates hold the line.

This week brings “inflation week”—normally one of the most market-moving events each month—but the shutdown means delays and incomplete reports. The Fed’s next move depends on these numbers, so traders are watching every data release closely for hints of rising or falling inflation.